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You can reduce agents' commissions by 80% or more on "retail" life insurance policies from the best companies. This significantly improves policy rates of return.

See article for details.



You should question life insurance policy illustrations for both new and existing policies. They are often overly optimistic and require an unbiased analysis.

See article for details.


There is a very high risk that an existing permanent insurance policy purchased in the last 20 years for estate and business planning purposes will fall apart before the insured dies, leaving nothing for beneficiaries. These policies require an immediate review and possible restructuring or replacement.

See article for details.

 

It is possible to make life insurance a very good investment by minimizing commissions and other policy costs and by carefully choosing a strong, competitive company. Policy rates of return can be increased by 50% or more without changing the nature of the underlying investment.

See article for details.